Free Maryland Insurance Administration Accident-and-Health-or-Sickness-Producer Practice Test & Real Exam Questions

Exam Code/Number: Accident-and-Health-or-Sickness-Producer
Exam Name/Title: MarylandAccident and Health or Sickness Producer Series 20-24 Exam
Certification Provider: Maryland Insurance Administration
Corresponding Certification: Maryland Insurance

Exam Questions: 92
Updated On: Jun 30, 2026

Question #11

An insurance producer or advisor in the State of Maryland can be disciplined by the MarylandInsurance Administration for all of the following EXCEPT:

A. Using inappropriate description of a policy to hide the true nature of the policy

B. Making false or misleading statements about dividends previously paid on similar policies

C. Making a misleading statement about the financial condition of an insurer

D. Filing a complaint on behalf of the consumer with the Maryland Insurance Administration

Discussion 0

Correct Answer: D Vote an answer

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Question #12

A certificate of insurance in a group accident and health plan is:

A. A binding contract between the employer and the insurer

B. Issued to the employer for each insured location

C. A binding contract between the employee and the insurer

D. Evidence of the employee's insurance coverage

Discussion 0

Correct Answer: D Vote an answer

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Question #13

All of the following are basic underwriting actions in accident and health insurance EXCEPT:

A. Deleting uniform policy provisions

B. Issuing standard policies as applied for

C. Rejecting applicants

D. Issuing policies with exclusion riders

Discussion 0

Correct Answer: A Vote an answer

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Question #14

Medical expense insurance typically EXCLUDES coverage for treatment of:

A. Chronic back pain

B. Intentionally self-inflicted injuries

C. Eating disorders

D. Undiagnosed diseases

Discussion 0

Correct Answer: B Vote an answer

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Question #15

Which statement is true of trade association groups eligible for group medical benefits?

A. The association membership primarily consists of large employers

B. Such associations are formed for the purpose of purchasing insurance

C. Members of the association are usually in the same industry

D. Employer contributions are usually waived

Discussion 0

Correct Answer: C Vote an answer

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Question #16

A producer may be guilty of misrepresentation if the producer:

A. Issued a full settlement check expressly releasing the insurer

B. Denied a claim for failure of the policyholder to prove damages

C. Required timely written notice of loss for all claims

D. Failed to disclose exclusions of the policy

Discussion 0

Correct Answer: D Vote an answer

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Question #17

Group health insurance contracts providing coverage for employees in more than one state are usually controlled by the laws of the state where:

A. The producer resides

B. The application is signed

C. The majority of employees reside

D. The master contract is issued

Discussion 0

Correct Answer: D Vote an answer

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Question #18

An elimination period in a disability income insurance policy is the:

A. Time period the policy is in force

B. Period between the start of a disability and the beginning of benefits

C. Time during which benefits are paid under the policy

D. Same as the probationary period

Discussion 0

Correct Answer: B Vote an answer

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Question #19

All of the following services are covered under the Medicare Supplement preventive care benefit EXCEPT:

A. Routine physical examinations

B. Hearing tests

C. Outpatient prescription vitamins

D. Immunizations

Discussion 0

Correct Answer: C Vote an answer

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Question #20

If an insurer pays an individual accident and health insurance claim during a policy's grace period:

A. The deductible is waived

B. The amount of unpaid premium may be subtracted from the reimbursement

C. A 10% service fee is charged

D. The policy is canceled automatically at the end of the grace period

Discussion 0

Correct Answer: B Vote an answer

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